Retirement Savings Calculator
How much will you have when you retire? Enter your current savings, contributions and expected returns to see your projected retirement nest egg and monthly income.
How much do you need to retire?
The most common rule of thumb is the 25x rule — you need approximately 25 times your annual expenses saved to retire comfortably. This is based on the 4% withdrawal rate, which research suggests can sustain a 30-year retirement with high probability.
For example, if you spend $60,000 per year in retirement, you would need approximately $1,500,000 in savings. This calculator shows whether your current savings rate puts you on track to reach that target.
The 4% withdrawal rule explained
The 4% rule comes from the Trinity Study — research showing that withdrawing 4% of your retirement savings annually (adjusted for inflation) has historically sustained portfolios for 30+ years in most market conditions. A lower withdrawal rate (3–3.5%) gives more security; a higher rate (4.5–5%) carries more risk of outliving your savings.